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Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
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My mom is currently in a nursing home, where the payment comes out of her Medicaid and Medicare. After the nursing home takes out their payment, she only has $60.00 left in her checking account. She has no assets or other income.
That money is her personal allowance, for things like haircuts, new shoes, a magazine subscription, a nice bottle of lotion -- the necessities and small luxuries. My mother's personal allowance was deposited in an account at the nursing home. When they had an optional fast-food day, her cost of the White Castles came out of this account. The on-site beauty parlor charged this account. When she went in their van to WalMart she got some cash out of this account.
Could your mom afford to use some of her personal allowance for the insurance?
I am SO glad that we arranged a pre-paid burial account as part of our mom's spend down to qualify for Medicaid. It is a tough problem to arrange after-the-fact.
Carbag, I don't think you are being a Scrooge at all. Your mother will die. Something will be done with her body. Thinking of how to pay for that is a legitimate concern.
I just looked at the premium costs for such insurance for myself. The lowest premium was $59/month, many were in the $60s range, and some went over $100. (This was for a policy providing $10,000 benefits. I'm 72. If your mother is older, her premiums would be higher.)
Sadly, I just don't think your mother can afford those premium. No one on Medicaid can, really.
One thing to consider is how to minimize the final costs. Would your mother approve (or have approved when she was well) donating her body to science? That greatly minimizes the costs associated with what happens to the body. You can still have a memorial service, but that can be held anywhere from a funeral home to a pizza parlor. It is a party to celebrate the person's life.
You know what? Doing this research has gotten me thinking of my own end-of-life plan. I have an insurance policy now that would more than cover the costs. But I am now considering donating my body to science (if they'll have it.) In my case, not so much because of the costs, but as a final contribution to medical knowledge.
My husband donated his brain for dementia research. It was very important to him throughout his final years to know that this would happen and that others might benefit from his action.
I think if you are POA, you can. I was already POA for my mom and I could use her funds as long as what I bought was for her, and I had to show receipts. Check with the finance director where you mom is.
Agree with Jeannie that $60 a month is Mom's for the only little luxeries she can afford. She won't care about a funeral when she passes but she will care if there is no money for a new pair of slippers or a present for a grandchild or a favorite nurse. Don't be a Scrooge.
Have you looked into funeral & burial costs and what the figures are for preneed policy payment terms and if they require auto-pay? Depending on moms age & what type of funeral and burial desired, the monthly cost may be well over $ 60 a mo. It could easily be 10k for a traditional. If realistically there isn’t the $ for family to pay funeral & burial, you may need to perhaps rethink things and do a cremation which would be lots less co$t.
Ask the FH if they require policy payments to be done by draft from moms checking account (auto-pay). If mom has her SS going to NH, so their now the rep payee, it’s going to be sticky to do auto pay as she doesn’t have a checking account anymore. FH probably can figure out a payment plan.
As an aside on PNA, at my moms NH, there were residents who had family who themselves had limited resources. Salvation Army often brought in toiletries care packages for them, which I assumed the social worker arranged a list of.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Could your mom afford to use some of her personal allowance for the insurance?
I am SO glad that we arranged a pre-paid burial account as part of our mom's spend down to qualify for Medicaid. It is a tough problem to arrange after-the-fact.
I just looked at the premium costs for such insurance for myself. The lowest premium was $59/month, many were in the $60s range, and some went over $100. (This was for a policy providing $10,000 benefits. I'm 72. If your mother is older, her premiums would be higher.)
Sadly, I just don't think your mother can afford those premium. No one on Medicaid can, really.
One thing to consider is how to minimize the final costs. Would your mother approve (or have approved when she was well) donating her body to science? That greatly minimizes the costs associated with what happens to the body. You can still have a memorial service, but that can be held anywhere from a funeral home to a pizza parlor. It is a party to celebrate the person's life.
You know what? Doing this research has gotten me thinking of my own end-of-life plan. I have an insurance policy now that would more than cover the costs. But I am now considering donating my body to science (if they'll have it.) In my case, not so much because of the costs, but as a final contribution to medical knowledge.
My husband donated his brain for dementia research. It was very important to him throughout his final years to know that this would happen and that others might benefit from his action.
Depending on moms age & what type of funeral and burial desired, the monthly cost may be well over $ 60 a mo. It could easily be 10k for a traditional. If realistically there isn’t the $ for family to pay funeral & burial, you may need to perhaps rethink things and do a cremation which would be lots less co$t.
Ask the FH if they require policy payments to be done by draft from moms checking account (auto-pay). If mom has her SS going to NH, so their now the rep payee, it’s going to be sticky to do auto pay as she doesn’t have a checking account anymore. FH probably can figure out a payment plan.
As an aside on PNA, at my moms NH, there were residents who had family who themselves had limited resources. Salvation Army often brought in toiletries care packages for them, which I assumed the social worker arranged a list of.